Classic Car Insurance That Does Not Require a Garage

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Things to remember...

  • Most specialty companies require that a car be stored in a garage
  • Drivers are encouraged to invest in Agreed Value plans to protect their investment
  • Expect insurance companies to also have limitations on miles driven

Your classic car is your pride and joy, so you want to give it the right level of protection. In addition to insurance, you may also have it secured in a locked, weathertight garage.

However, if you don’t have a garage, then you may find that it’s difficult to find an insurance provider.

The good news is that you can always shop around to find a company that will protect your car even if it just has a simple canvas cover for protection.

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Definition of an Antique Car


The tricky thing about insuring your older car is that the definition of a classic can vary from one company to another.

The Antique Automobile Club of America says it’s simply any vehicle that’s more than 45 years old. However, states like Michigan require that the vehicle is more than 26 years old and acquired as a collectible.

It’s important that you speak openly with any insurance company about the vehicle that you own. Your agent can provide you with more information regarding their definition and your future rates.

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Special Insurance May be Required

Some people inherit classic cars or stumble across a great deal, and they don’t realize that they need the right insurance plan.

Traditional policies work under the assumption that cars will depreciate, but classic autos can rise in value over time.

The good thing about getting insurance from a brand that specializes in classic cars is that these companies typically understand how classic cars are treated. They know that the cars are taken care of the following ways:

  • driven infrequently
  • protected from the elements
  • pampered

When a car is mainly used for weekend shows a few times a year, you can expect to find reasonable rates by shopping around.

Proof of A Proper Garage is Typically Required


Classic cars require special insurance, and most plans require that they will be kept in an appropriate garage.

In addition to stating that the vehicle will be sheltered from the weather and vandals, you can also expect to send pictures to the company to prove that you have the right structure.

Many owners consider the garage to be just another expense associated with owning a classic car. If you don’t have an on-site garage, then consider renting space from someone else.

You may want to have it in a climate-controlled facility that can also keep a charge on the battery.

Whether you’re going to store the vehicle on your property or someone else’s, you can save a little money by shopping around for better rates.

Standard vs. Agreed Value

When it comes to vehicle valuation, insurance companies usually rely on NADA values. However, it’s harder to determine the worth of an older car that’s no longer in production.

The insurance companies are more than happy to set a value for you, but it may not be near enough to cover replacement parts that are hard to find and the higher cost associated with specialty garages. This is why it’s important to go with an Agreed Value policy.

With this type of policy, you can set the insured value so that you’ll be able to get your car back on the road after an accident.

You may have to accept certain limitations on mileage, a ban on commuting, and the requirement that your car will be stored in a garage.

These restrictions may seem like a pain, but they’re in place to protect the insurance company from losses and to keep your prized possession safe.

Finding the Right Coverage

If you have a high-value classic car, then it may be worth the investment to store it in an appropriate facility.

However, if your car is currently in poor condition and won’t be restored for a while, then you may not want to make the garage a top priority just yet.

In this case, you can speak openly with your insurance company about the value and condition to see if they’ll cover your car even though it’s not in a garage.

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